Hi there. I'm new to this site. For Bonnie, great link to the Forbes insurance needs calculator. Most of middle America is much underinsured. Especially single moms trying raise a family on limited income. Especially when they might not be in the best of health themselves. One company you might want to look at and feature is U. S. Financial Life (A+ rated)and owned by the giant AXA Financial. This company takes people that other companies won't, making 'common sense' decisions. In other words, if your doctor says you're OK, they probably will, too. I know of a lady pharmacist in our town with schizophrenia who just purchased $750K of life insurance. She's single with a child and really needed it, but most companies turned her down. They also take people who only occasionally smoke as non-smokers, cutting the typical costs in half.